The Rajiv Gandhi Swavlamban Rojgar Yojna (RGSRY) is a self-employment scheme introduced by the Delhi Khadi & Village Industries Board (DKVIB). It is supported by the Government of NCT of Delhi. If you are unemployed or wish to start a small business, this scheme could help you get financial aid in the form of a loan. It aims to support artisans, skilled professionals, and young entrepreneurs from Delhi by promoting small industries, services, and trade-related ventures.

 

The scheme allows eligible individuals to set up units in approved areas across Delhi. It also offers a small subsidy, marketing support, and guidance.

Rajiv Gandhi Swavlamban Rojgar Yojna Details

The table below highlights key aspects of the scheme, including eligibility, loan amount, repayment terms, and other conditions:

Particulars

Details

Scheme Name

Rajiv Gandhi Swavlamban Rojgar Yojna (RGSRY)

Implementing Body

Delhi Khadi & Village Industries Board (DKVIB)

Supported By

Government of NCT of Delhi

Objective

To promote self-employment among unemployed youth, artisans, professionals, and entrepreneurs in Delhi

Eligible Age

18 to 50 years

Maximum Loan Amount

₹3,00,000

Beneficiary Contribution

10% of the loan amount (5% for SC/ST/OBC/Ph./Women/Ex-servicemen)

Subsidy

15% of project cost (up to ₹7,500 per entrepreneur)

Repayment Tenure

5 years (quarterly instalments after a 12-month moratorium)

Interest Rate

As prescribed by the Government of NCT of Delhi

Area of Implementation

Across Delhi within permissible areas under Delhi Master Plan and related regulations

Sectors Covered

Secondary (Tiny/Cottage Industries), Tertiary (Trade/Hostels/Transport), Services

Loan Security

Surety by a Govt. servant or as per commercial bank rules

Application Mode

Online via e-district portal or offline at DKVIB office

Disclaimer: The details are based on official guidelines issued by the Delhi Khadi & Village Industries Board (DKVIB), Government of NCT of Delhi. Please verify the latest information with the concerned authorities before applying.

Objectives of This Scheme

This scheme aims to empower Delhi’s unemployed youth and skilled individuals by supporting self-employment and small business initiatives.

 

Here are its key goals:

  • To create self-employment opportunities for unemployed youth and skilled individuals living in Delhi

  • To encourage small-scale industries, services, and trade-based activities within the limits of the Delhi Master Plan

  • To support artisans, professionals, and entrepreneurs in setting up their own ventures

  • To offer financial assistance through small loans with low personal contribution

  • To extend support to marginalised groups such as SC, ST, OBC, women, persons with disabilities, and ex-servicemen

  • To promote local business growth through structured marketing and loan support mechanisms

Features and Benefits of Rajiv Gandhi Swavlamban Rojgar Yojna

The scheme offers financial support, reduced personal contribution, and government subsidy to help you start or expand a business. 

 

Here’s what you get:

Loan Support up to ₹3 Lakhs

You can apply for a loan of up to ₹3 Lakhs to start or grow your business in Delhi

Low Personal Contribution

You need to contribute only 10% of the loan amount. For SC, ST, OBC, women, disabled persons, and ex-servicemen, this is reduced to 5%

Government Subsidy

A subsidy of 15% of the project cost is available. The maximum limit is ₹7,500 per entrepreneur, and it is adjusted after 2 years

Flexible Repayment Period

You get a 12-month moratorium and then repay the loan in equal quarterly instalments over the next 5 years

Inclusive Coverage

The scheme supports people with different educational or professional backgrounds—dropouts, artisans, technicians, and others

Support for Various Sectors

Loans can be availed for activities in manufacturing, services, or trade, as permitted under local regulations

Marketing Assistance

You may get help in promoting your products through trade fairs, exhibitions, and recognition certificates

Eligibility Criteria

To apply for the Rajiv Gandhi Swavlamban Rojgar scheme, you must meet the following conditions:

  • Age Requirement

You must be at least 18 years old and not older than 50 years.

  • Residence

You should be planning to set up your unit within the National Capital Territory (NCT) of Delhi.

  • Eligible Applicants :

    The following categories of individuals can apply:
    • School or college dropouts above 18 years of age
    • Individual entrepreneurs

    • Trade professionals

    • Artisans

    • Individuals with a diploma or certificate from a government-recognised technical or professional institute

    • Small-scale industrial units with investment within the limit set by the Central Government

  • Project Location

The unit must be set up in an area permitted under Delhi’s Master Plan. In case of non-conforming areas, extra approvals like NOC from the High Power Committee and MCL may be needed.

  • No Existing Loan Default

You must not have defaulted on a similar loan taken earlier from any government body or financial institution.

Exclusions Under This Scheme

If you have already taken a loan for the same or similar purpose, and have not fully repaid it with interest, you will not be eligible.

 

Also, if any part of a previous loan was misused or used for purposes other than stated, you will be excluded from receiving assistance again. The scheme is meant for genuine first-time or compliant borrowers who need support for a new or qualifying business activity within Delhi.

Documents Required

You need to submit the following documents along with your loan application form:

  • A copy of your Aadhaar card, electoral card, or valid passport (as identity proof)

  • Two passport-size attested photographs

  • Educational qualification certificates or training proof

  • Details of your proposed work site (ownership/possession proof, rent agreement, no objection from owner, electricity bill, etc.)

  • A copy of your residence electricity bill

  • For shops or businesses: Registration certificate from MCD

  • For industrial units in non-conforming areas: NOC from High Power Committee and MCL

  • A signed declaration in the prescribed format (available with the application form)

  • Consent letter from the surety or guarantor

How to Apply

You can apply for the Rajiv Gandhi Swavlamban Rojgar Yojna through either online or offline mode. Here are the steps:

  1. Visit the official website of the Delhi Khadi & Village Industries Board to download the loan application form. You can also collect it from the DKVIB office.

 

You can submit your application online through the e-District Portal of the Government of NCT of Delhi, or offline at the DKVIB office.

  1. Enter all required details such as personal information, business idea, project cost, and loan amount requested.

  2. Gather and attach all necessary documents, including ID proof, education proof, worksite details, and surety documents.

  3. Submit your complete application either online or by visiting the DKVIB office in person.

Conclusion

The Rajiv Gandhi Swavlamban Rojgar Yojna is designed to support individuals in Delhi who want to become self-employed. If you meet the eligibility criteria and have a solid business idea, this scheme could help you get started with financial assistance, a small subsidy, and marketing support.

 

You need to follow the rules carefully, use the loan for the right purpose, and repay it on time. With proper planning and commitment, this scheme may give you a good chance to build a steady source of income.

FAQs

How much subsidy will I get under this scheme?

You may get a subsidy of 15% of the project cost, up to a maximum of ₹7,500. This is adjusted to your loan account after two years.

How long do I get to repay the loan?

You have to repay the full loan with interest within 5 years. Repayment is done in equal quarterly instalments. The first repayment starts after 12 months from the date the loan is given.

What is the interest rate on the loan?

The interest rate is decided by the Government of NCT of Delhi and may vary. Interest begins from the date the loan or its instalment is disbursed.

Do I need to provide any security for the loan?

Yes, you must provide a guarantor. This could be a government employee working in a non-transferable post in Delhi or as per the bank’s standard procedure.

What happens if I don’t use the loan for the approved purpose?

If you misuse the loan or fail to use it within six months, it will be treated as mis-utilised. The full amount will then be recovered with 18% interest.

What is the loan amount offered under the Rajiv Gandhi Swavlamban Rojgar Yojna?

You can get a loan of up to ₹3,00,000 under this scheme. However, you must contribute at least 10% of the project cost. For applicants from weaker sections, this is reduced to 5%.

What is the purpose of the Rajiv Gandhi Swavlamban Rojgar Yojna?

This scheme is meant to help unemployed individuals in Delhi start small businesses or self-employment ventures by offering financial support and limited marketing assistance.

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